A

PROJECT REPORT
ON
LOANS AND ADVANCES
WITH
SHRIRAM FINANCE LTD, CHIPLUN
SUBMITTED BY
MISS. SAYALI TULSHIDAS RAMAGARE
UNDER THE GUIDANCE OF
PROF. MR. MAYURESH LONUSHTE
SUBMITTED TO
UNIVERSITY OF MUMBAI
FOR
In the partial fulfilment of the requirement for the
Award of the Degree of
MASTER OF MANAGEMENT STUDIES(MMS)
THROUGH

SAHYADRI INSTITUTE OF MANAGEMENT &RESEARCH,

SAWARDE
FOR ACADEMIC YEAR – 2023-24
 DECLARATION

I SAYALI TULSHIDAS RAMAGARE a student of SAHYADRI INSTITUTE OF MANAGEMENT &

RESEARCH, SAWARDE. pursuing the MASTER OF MANAGEMENT STUDIES program, hereby declare
that the internship research project titled "LOANS AND ADVANCES" is an original work carried out by
me under the guidance of MR. SACHIN MOHITE SIR, SHRIRAM FINANCE CO. LTD. This work has not
been previously submitted for any other purpose, examination, or assessment.

I further declare that all the sources and references used in this project have been duly

acknowledged. Any data, information, or material used from other sources has been properly

cited in the bibliography section.

I understand the importance of academic integrity and honesty and I am aware of the

consequences of any form of plagiarism or misconduct. I assure that this research report is the

result of my own efforts and represents my understanding of the subject matter.

DECLARATION

I acknowledge the support and guidance provided by MR.SACHIN MOHITE SIR, during
the course of this internship.

Date:

Place:

SAYALI TULSHIDAS RAMAGARE

Roll Number: 40

Program: MMS

Email Address: sayaliramagare123@gmail.com

Contact Number: 7249867109

SAHYADRI INSTITUTE OF MANAGEMENT & RESEARCH, SAWARDE.

Signature of the candidate

 AKNOWLEDGEMENT

I would like to express my heartfelt gratitude and appreciation to all those who
have contributed to the successful completion of my internship research project titled " LOANS AND
ADVANCES."

I am immensely thankful to my internship supervisor, MR. SACHIN MOHITE SIR, at

SHRIRAM FINANCE CO. LTD. for their unwavering guidance, support, and valuable insights. Their
expertise and mentorship have been instrumental in shaping the direction of my research.

I would also like to extend my sincere thanks to MR. MAYURESH LONUSHTE SIR, for
their valuable inputs, encouragement, and assistance at various stages my project. Their
constructive feedback and suggestions have greatly enriched my work.

I am indebted to MR. PRATHMESH TAMBE sir, Department of finance, for

providing me with the opportunity to undertake this internship and for fostering an environment of

learning and growth.

My gratitude extends to my family and friends who have been a constant source
of encouragement and motivation throughout this journey.

Last but not least, I would like to acknowledge the support of all those who
directly or indirectly contributed to this endeavour. Your contributions have been invaluable.

Date:

Place:

SAYALI TULSHIDAS RAMAGARE

Roll Number: 40

Program: MMS

Email Address: sayaliramagare123@gmail.com

Contact Number: 7249867109

 CERTIFICATE OF INTERNSHIP COMPLETION

This is to certify that,

Miss. Ramagare Sayali Tulshidas, MMS (2nd Year), Finance

Has Successfully completed the internship program titled

“A Study on Loans & Advances” at The Shriram Finance LTD. Chiplun.

Under the guidance of Mr. Sachin Mohite Sir

Duration of Internship: 25 September 2023 to 8th November 2023

During the internship period, his/her demonstrated dedication, enthusiasm and a

keen desire to learn. Their commitment to the assigned tasks and their active
participation in various aspects of the internship project were noteworthy.

This certificate is awarded with the belief that he/ she has gained valuable insights
and practical experience that will contribute to their academic and professional
growth.

Signature of the Director

COMPANY CERTIFICATE
 INDEX
Serial no. Particulars Page no.

1 Executive Summary 1-2

2 Introduction 3-4

3 Industry Profile 5-7

4 Company Profile 8-10

5 Objectives 11-12

6 Review of Literature 13-14

7 Research Methodology 15-17

8 Data Collection 18-25

9 Data Analysis
& 26-40
Interpretation
10 Findings 41-42

11 Suggestions 43-44

12 Conclusion 45-46

13 Bibiliography 47-48
LOANS AND ADVANCES

CHAPTER 1
EXECUTIVE SUMMARY

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LOANS AND ADVANCES

➢ Executive Summary

This project is carried out in SHRIRAM FINANCE CO. LTD, CHIPLUN.

The project is based on “LOANS AND ADVANCES”. The main objective behind the
study to know the how the company deal with loans. This was came to know by
studying the loans and advances. The project begins with some general information
pertaining to SHRIRAM FINANCE CO. LTD. including background of the bank,
vision mission and social responsibilities. This project include the types of loans the
bank provides to peoples and how they deal with it in the tenure or duration Based on
this analysis the information is plotted using graphs. This gives some basic
understanding of loans given by the bank and the repayment of the amount.

Finally, the project concludes with the credit appraisal of Shriram Finance
Co. Ltd. Chiplun. After completion of this project reader should have a good
understanding about the loans and advances of bank.

An arrangement in which a lender gives money or property to a borrower

and borrower agrees to pay the amount or property to the lender along with interest in
future date. Whereas advances means an increase in price or opposite of it or a payment
made before it dues.

I would like to say that I had a very good experience and exposure in
working with such an esteemed private corporate. This experience has added to my
knowledge and would make sure that utilize it to its fullest.

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LOANS AND ADVANCES

CHAPTER 2
INTRODUCTION

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LOANS AND ADVANCES

➢ INTRODUCTION OF LOANS AND ADVANCES

Loans and advances in the context of project financing represent critical

financial tools used to fund large-scale ventures and initiatives. These projects could range
from infrastructure development, construction, technological innovations, to renewable
energy installations and more.
The utilization of loans and advances in project financing is instrumental
in bridging the gap between the financial requirements of these ventures and the available
capital, Project financing typically involves substantial amounts of capital, often beyond
what individual investors or companies can provide independently. Loans and advances in
this domain are structured to accommodate the unique needs of each project, considering
its size, duration, associated risks, and potential returns. Financial institutions, private
investors, or consortiums usually extend these funds to project entities or special purpose
vehicles (SPVs) established for the specific project,
Such loans and advances are structured with meticulous consideration of
the project's feasibility, anticipated cash flows, and risk mitigation strategies. Lenders assess
the viability of the project, evaluating its business plan, economic prospects, regulatory
environment, and the management team's capabilities.
The successful use of loans and advances in project financing allows for
the realization of ambitious that contribute significantly to economic growth, employment
opportunities, infrastructure development, and technological advancement. These financial
mechanisms serve as catalysts for large-scale projects, enabling innovation, progress, and
sustainable development across various sectors.

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LOANS AND ADVANCES

CHAPTER 3
INDUSTRY PROFILE

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LOANS AND ADVANCES

➢ INDUSTY PROFILE
Sriram is a pioneer in the NBFC Industry with a strong rural presence. The Shriram finance
limited is one of the India’s leading NBFC’s with 7.54 million (as an June 30, 2023) private
and corporate lender across India.

Type Conglomerate

Industry Financial services, insurance, real estate

Founded 5 April 1974; 49 years ago

Headquarters Chennai, Tamil Nadu,

India

Area served India

Key people R. Thyagarajan

(Chairman)[1]

Revenue ₹2.00 lakh crore (US$14 billion) (2023)

Number of 66343[2] (2023)

employees

• Shriram Finance
Subsidiaries
• Shriram Housing Finance
• Shriram Life Insurance
• Shriram General Insurance
• Shriram Insight
• Shriram Fortune
• Shriram AMC
• Shriram Wealth
• Shriram Properties

Website https://www.shriramcapital.com

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LOANS AND ADVANCES

Shriram Group:

• Shriram finance – Shriram Finance is the flagship company of group which provides
financial services such as commercial vehicle finance, passenger vehicle finance,
SME finance and retail lending (personal loan, gold loans and two-wheeler loans.

• Shriram Housing Finance – Shriram Housing Finance is subsidiary of Shriram

finance and mainly provides home loan services

• Shriram Life Insurance - Shriram life insurance is the life insurance arm of the
group, and joint venture between Shriram group and South African company Sanlam.

• Shriram General Insurance- Shriram general insurance is engaged in commercial

and retail vehicle insurance, home insurance and travel insurance, it is a joint venture
between Shriram group and Sanlam.

• Shriram Properties-Shriram properties is real estate developer focusing on mid-

income housing project, primarily in South India.

• Shriram Financial Ventures- Shriram financial ventures is the holding company and
promoter of Shriram group’s financial services and insurance businesses. It is jointly
owned of Shriram ownership trust (SOT) and Sanlam group.

• Shriram Insight – Shriram insight is a retail stockbroker.

• Shriram Fortune – Shriram fortune is the financial services distribution arm of the
group.

• Shriram AMC- Shriram AMC is an asset management company focus on mutual

funds.

• Shriram Wealth- Shriram wealth provides wealth management advisory services.

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LOANS AND ADVANCES

CHAPTER 4
COMPANY PROFILE

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LOANS AND ADVANCES

➢ PROFILE OF SHRIRAM FINANCE CO. LTD.

• Shriram Finance Co. Ltd. Chiplun.

Shriram Finance Limited is a listed public company incorporated on 30 June,

1979. It is classified as a public limited company and is located in Chennai, Tamil Nadu.
It's authorized share capital is INR 4,265.50 Cr and the total paid-up capital is INR 375.54.
Shriram Finance Limited's operating revenues range is Over INR 500 Cr for the financial
year ending on 31 March, 2019. It's EBITDA has increased by 49.49% over the previous
year. At the same time, it's book net worth has increased by 25.96 %. Other performance and
liquidity ratios are available here.

Description: The company is an asset financing non-banking finance company, provides

commercial vehicle financing services.
Products & Services: Vehicle Finance, Tire finance, Engine replacement finance, Working
capital loans, Co-branded credit cards, Freight bill discounting products,
The current status of Shriram Finance Limited is -Active
The last reported AGM (Annual General Meeting) of Shriram Finance Limited, per our
records, was held on 23 June, 2023.

• Vision and Mission of Shriram Finance Ltd.

To be country’s most preferred financial services destination, delivering

delightful lender experience through empowered employees.
To progressively develop and efficiently functioning engineering and
technological institution that will produce world class engineering graduates and post
graduates committed to the spirit of integrity, equity professional ethics and social harmony.

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LOANS AND ADVANCES

• DIRECTORS OF SHRIRAM FINANCE

The company has 10 directors and 2 reported key management personnel.
The longest serving director currently on board is Srinivasan Sridhar who was appointed on
20 October, 2014. Srinivasan Sridhar has been on the board for more than 9 years. The most
recently appointed director is Ravindran Shunmugakani, who was appointed on 31 August,
2023.
Ravi Devaki Venkataraman has the largest number of other directorships
with a seat at a total of 16 companies. In total, the company is connected to 59 other
companies through its director.

YEARS DIRECTORS

09 July, 2014 PARAG SHARMA KMP

20 October 2014 SRINIVASAN SRIDHAR Director

18 June, 2015 RAVI DEVAKI VENKATARAMAN Director

25 October, 2016 UMESH GOVIND REVANKAR Director

25 October, 2018 PANJA PRADEEP KUMAR Director

08 May, 2019 IGNATIUS MICHAEL VILJOEN Director

13 December, 2021 SHRINIVASA CHAKRAVARTHY YALAMATI Director

13 December, 2021 PARAG SHARMA Director

01 September, 2022 BALASUNDARARAO UPPU KMP

04 December, 2022 MAYA SWAMINATHAN SINHA

04 December, 2022 JUGAL KISHORE MOHAPATRA Director

31 August, 2023 RAVINDRAN SHUNMUGAKANI Director

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LOANS AND ADVANCES

CHAPTER 5
OBJECTIVES

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LOANS AND ADVANCES

➢ Objective of the study

From the topic of the project report Loans and Advances provided by
Shriram Finance Co. Ltd, Chiplun. The main objective behind choosing the topic is
to help the borrowers and the society to know about the loans and advances by
Shriram Finance Co. and how these loans been recovered. It will become helpful to
them while applying for a loan.

• To access the different interest rate on the different loans schemes

provided by the company.
• To study the different loans provided by company.
• To study the growth of loans and advances
• To study the financial performance of the company.
• To know the awareness level of the lenders towords Shriram Finance
Company.

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LOANS AND ADVANCES

CHAPTER 6
REVIEW OF LITERATURE

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LOANS AND ADVANCES

➢ Review of literature

Explore studies on loans & advances within the financial sectors. Look
for articles or research papers that analyse how lender interact with financial brands. Finds
literature on loans & advances in financial services.
Search for materials that discuss the importance of trust and credibility
in finial institution & how it work in Loans & advances. Check for case studies or reports
specifically related to Shriram Finance LTD. Highlighting its market positioning lender
feedback or any published company reports discussing Loans & Advances.
Arpita Sharma’s (2014) – View that Agriculture Financing by
corporative societies have been important source of credit to farmers farming was carried out
in a traditional way as the credit needs of the farmers where limited & was met by money
lenders relatives & friends & too some extent by taccavi loans from government.
Amia Kumar Mohapatra (2014) -view that co-operative credit society
have been play a vital role in meeting the credit needs of rural farmer & artificial protecting
from the clutches of money lenders.
Abhijeet Sarkar’s (2014)- study reveal that most important pre request
for significant progress in the agricultural sector was the availability of credit through
institutional or non-institutional sources leading to the higher investment in agriculture.

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LOANS AND ADVANCES

CHAPTER 7
RESEARCH METHODOLOGY

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LOANS AND ADVANCES

❖ RESEARCH DESIGN
▪ A research design is simply the structure of plan for a study that
guides the collection and analysis of data. The study is considered
so; find the financial performance and financial position of the
bank in order to evaluate its present situation and future growth
prospects. The study design is descriptive in nature.

❖ TYPE OF RESEARCH: DESCRIPTIVE RESEARCH

▪ Descriptive research can be either quantitative or qualitative. It can
involve groups of qualitative information that can be organized
along continuity in numerical form. Descriptive research involves
collecting data that describe events and then organizes, tabulates,
depicts, and describes the data collection. It often helps uses visual
support such as graphs and charts to help the reader in
understanding the data distribution. It is the simplest type of
research and is more specific. Mainly designed to collect
descriptive information and provides information for formulating
more sophisticated studies. The term Descriptive Research refers
to the type of research question, and data analysis that will be
applied to a given topic.

❖ DATA COLLECTION
❖ PRIMARY DATA: - The data is gathered through primary sources. The data is
collected from the past and present activities, performance of the bank, books,
research newspapers, etc.

▪ Questionnaire: With the help of questionnaire method, I have collected

information about the loans and advances

▪ Discussion: this method helps me to gather information about the entire

practice of employee daily activities in internal and external response.

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LOANS AND ADVANCES

SECONDARY DATA: The data is gathered from various websites, annual reports,
journals, different books, different kinds of reports and articles related to study.

❖ Scope of the study:

- To understand the concept of Loans and advances

- This study is limited to only Shriram finance ltd, Chiplun.
- Study covers that performance of the company

❖ Group Consists of data collection and sample selection:

For collection the required information for the above study work the researcher
selected 50respondents. After deciding above questionnaire was prepared the then
interviews were taken for collecting the data from respondent.

❖ The methodology consists of:

• Collecting the fact/data

• Analysis of the data

• Conclusion and solution

❖ Sample size: 50

❖ Sampling techniques:
To study the project, a simple random sampling technique is used.

❖ Analytical tools: Bar diagrams and pie-charts

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LOANS AND ADVANCES

CHAPTER 8
DATA COLLECTION

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LOANS AND ADVANCES

➢ INTRODUCTION TO LOANS AND ADVANCES

• What is Loan?
A financial instrument in which one party borrows money from another such as
mortgage credit card, debit, or personal line of credit.

The term loan refers to a type of credit vehicle in which a sum of money is lent to
another party in exchange for future repayment of the value or principal amount. In
many cases, the lender also adds interest or finance charges to the principal value
which the borrower must repay in addition to the principal balance.

Loans may be for a specific, one-time amount, or they may be available as an

open-ended line of credit up to a specified limit. Loans come in many different
forms including secured, unsecured, commercial, and personal loans.

• Components of a Loan
There are several important terms that determine the size of a loan and how
quickly the borrower can pay it back:

- Principal: This is the original amount of money that is being borrowed.

- Loan Term: The amount of time that the borrower has to repay the loan.

- Interest Rate: The rate at which the amount of money owed increases,
usually expressed in terms of an annual percentage rate (APR).

- Loan Payments: The amount of money that must be paid every month
or week in order to satisfy the terms of the loan. Based on the principal,
loan term, and interest rate, this can be determined from an amortization
table.

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LOANS AND ADVANCES

➢ Types of loan

▪ Personal Loan
▪ Gold Loan
▪ Two-wheeler Loan

➢ Personal Loan

A Personal Loan is a loan that does not require collateral or security and is offered
with minimal documentation you can use the funds from this loan for any
legitimate financial need like any other loan, you must repay it accordance to the
agreed terms with the bank.
A Personal loan is a form of credit extended to individuals by financial
institutions. Unlike specific-purpose loans (like auto or home loans), personal loans offers
flexibility as borrowers can use the funds for various needs, including home renovations,
medical expenses weddings or unexpected emergencies.

• Documents:

KYC – Pan card, Aadhar card, Light bill

6 months bank statements

Photo
Cheque

• Limit of personal loan in Shriram Finance

RS. 15 Lakhs

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LOANS AND ADVANCES

➢ Business Loan

With competitive interest rates and easy repayment options, getting a

business loan from Shriram Finance is hassle-free and convenient. Whether you
are a small business or an established organization, our online application makes it
simple to get the funding you need quickly.

• Quick facts

Loan Amount Rs.1 lakh to Rs. 30 lakhs

Tenure 12 to 60 months

Interest Rate Starting from 15%*p.a.

Age Eligibility Criteria 21 years or older

Loan Disbursal Time 2-3 business days*

(*your loan will be disbursed within 2-3
business days, depending on the credibility of
the information furnished, fulfilment of the
eligibility criteria and submission of relevant
documents.)

• Types of Business Loan

A loan that is vitally designed and tallored for business needs is
known as a business loan. Shriram Finance provides a wide range of secured and unsecured
business loan to facilitate you in fulfilling all of your business needs. There are various types
of business loans available as shown below:

- Working Capital Loan - GST Business Loan

- Trade Finance - Shop Loan
- Supply Chain Finance - Business Loan against Gold
- Start-up Business Loan - Loan without financials
- MSME Loan - Business Loan for Women

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LOANS AND ADVANCES

• Features & Benefits

Shriram Finance provides Business Loans that assist in managing the

financial needs of your business. If you are in need of financial aid to expand and
grow your business, Shriram Finance is an ideal choice for availing a hassle-free
and collateral-free business loan.

- Loan up to Rs.30 lakhs – Manage all your business expenses with loan amount
ranging up to Rs.30 Lakhs.

- No Collateral Needed – Get financial support you need without the stress of
collateral.

- Flexible Loan Tenure – choose from a range of flexible tenure options starting from
12 to 60 months.

- Quick loan & Disbursals – An easy and quick loan approval process to make sure
your business needs are met on time.

- Hassle – free online process – Get your loan approved online in a few simple hassle-
free steps.

- Online EMI Calculator – With our easy-to-use online EMI Calculator, calculate
monthly instalments accurately.

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LOANS AND ADVANCES

➢ Gold Loan

Gold Loan is a secured loan taken by the borrower from a lender by pledging
their gold articles (within a range of 18-24 carats) as collateral. The loan amount provided is
a certain percentage of the gold, typically up to 80% based on the current market value and
quality of gold.

• Interest Rate of Shriram Finance Gold Loan

The Interest rate starts from 11.4% P.a and you can choose loan tenure starting
from 1 month up to 12 months.

• Eligibility Criteria For Gold Loan

Age Who Can Apply

Self-employed, Business Owner, self-
18 – 75 Years Employed Professionals, and other
individuals.

• Process
- Open UNO application
- Check lender is existing or not
- If no then create lender Id
- KYC documents (Aadhar card, Pan card, Light bill or Ration
card, 3 months bank statements)
- Thumb

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LOANS AND ADVANCES

➢ Two-Wheeler Loan

Such loans especially design to ensure that the lender is able to buy their dream bike
or scooter. A two-wheeler Loan is a loan provided to individuals to purchase their dream two-
wheeler in attractive payment options.

• Interest Rate of Shriram Finance Two-Wheeler Loan

10.50%

• Eligibility Criteria for Two-Wheeler Loan

Age Income Proof

Salaried: work experience one year, self-

21-59 Years
employed, business operations for two years

• Residence proof

Applicants must have resided at least one year at the current address.

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LOANS AND ADVANCES

➢ What is Advances?

The common concept of an advance hovers around a type of loan that

is offered to a business entity or an individual may also seek an advance from a
financial institution to meet short-term requirements. Thus, an advance is rather like
credit facility extended to a borrower, which he may use to fulfill any short-term
requirements. The advance is generally provided for a short-term. Advances are type
of credit facility that NBFCs like us offer to their lenders. Advances are similar to
loans, but they are short-term in nature. Some common types of advances are:

• Cash credit
• Overdrafts
• Working capital finance

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LOANS AND ADVANCES

CHAPTER 9
DATA ANALYSIS AND INTERPRETATION

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LOANS AND ADVANCES

1. What type of loan are you most interested in Shriram Finance?

Table no.1
Particulars No. of respondents Percentage
Personal loan 29 58%
Business loan 3 6%
Gold loan 6 12%
Two-wheeler loan 6 12%
others 6 12%

Chart no. 1

1. What type of loan are you most interested in Shriram Finance?

12%
12%

12% 58%

6%

Personal loan Business loan Gold loan Two-wheeler loan others

Interpretation:
The above graph shows that 58% people take personal loan, 12% people take gold
loan, two-wheeler loan and other loan each. 6% people take business loan, by Shriram
finance limited.

It shows that more lenders take personal loan rendered by Shriram finance.
limited.

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LOANS AND ADVANCES

2. How do you feel about loan services rendered by Shriram Finance Co. Ltd?

Table no.2
Particulars No. of respondents Percentage
Satisfied 41 82%
Highly satisfied 6 12%
Unsatisfied 3 6%

Chart no. 2

2. How do you feel about loan services rendered by Shriram Finance

Co. Ltd?

6%

12%

82%

Satisfied Highly satisfied Unsatisfied

Interpretation:
The above graph shows that 82% people are satisfied and 12% people are Highly
Satisfied and 6% people are unsatisfied about the loan services rendered by Shriram
Finance Co.

It shows that more lenders are satisfied with loan services rendered by Shriram
finance limited.

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LOANS AND ADVANCES

2. How do you feel about documentation process regarding Shriram Finance

Co. Ltd. loan?

Table no.3

Particulars No. of respondents Percentage

Simple 45 90%
Complicated 5 10%

Graph no. 3

3. How do you feel about documentation process regarding

Shriram Finance Co. Ltd. loan?

10%

90%

Simple Complecated

Interpretation:
The above graph shows that the 90% lenders are feel simple
documentation process regarding Shriram finance co. ltd. and 10% lenders feel
complicated about documentation process.

It seems that many lenders are feel simple about documentation process.

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LOANS AND ADVANCES

4. Available any additional facility with loan?

Table no.2

Particulars No. of respondents Percentage

Yes 35 70%
No 15 30%

Graph no. 4

4. Available any additional facility with loan?

30%

70%

Yes No

Interpretation:
The above graph shows that 70% are yes and 30% are no with the Shriram
finance limited offers additional facility with loan.

\ It seems that many lenders are agree that in company available additional
facility with loan.

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LOANS AND ADVANCES

5. Which features you like most in loan segments of Shriram Finance Co. Ltd?

Table no. 5
Particulars No. of Percentage
respondents
Less paper work 22 44%
Attractive interest rate 16 32%
Simple and fast processing 23 46%
Specially designed product for self employed 7 14%
Any other feature 6 12%

Graph no. 5

5. Which features you like most in loan segments of Shriram Finance

Co. Ltd?

50%
45%
40%
35%
30%
25%
20%
15%
10%
5%
0%
Less paper work Attractive Simple and fast Specially Any other
interest rate processing designed feature
product for self
employed

Interpretation:
The above graph shows that 44% people like most in loan segments
that the company have less paper work, 46% people are like because of simple
and fast processing, 32% people are like because of attractive interest. 14%
people like most because of specially designed product for self- employed,

It seems that many lenders like simple and fast processing in

Shriram finance co. ltd.

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LOANS AND ADVANCES

6. How familiar are you with Shriram Finance's loan products?

Table no. 6
Particulars No. of respondents Percentage
Very familiar 23 46%
Somewhat familiar 17 34%
Not very familiar 8 16%
Not at all familiar 2 4%

Graph no. 6

6. How familiar are you with Shriram Finance's loan products?

4%

16%

46%

34%

very familiar somewhat familiar not very familiar not at all familiar

Interpretation:
46% lenders are very familiar with Shriram Finance's loan products, 34%
peoples are somewhat familiar, 16% peoples are not very familiar, and 4% peoples are not at
all familiar with Shriram Finance's loan products.
It found that many lenders very familiar with Shriram finance loan
products.

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LOANS AND ADVANCES

7. What factors influenced your decision to choose Shriram Finance for a loan?

Table no. 7
Particulars No. of respondents Percentage
Interest Rate 27 54%
Lender service 16 32%
Flexible repayment option 10 20%
Reputation and trustworthiness 6 12%
other 3 6%

Graph no. 7

7. What factors influenced your decision to choose Shriram Finance

for a loan?

60%

50%

40%

30%

20%

10%

0%
Interest Rate Lender service Flexible Reputation and other
repayment trustworthiness
option

Interpretation:
The above graph shows that 54% people choose company loan
because of interest rate, 32% people are choose company loan because of lender
service, 20% people are choose flexible repayment option, 12% people choose
because of reputation and trustworthiness.

It shows that lenders choose company loan because of interest rate.

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LOANS AND ADVANCES

8. How would you rate the accessibility of information about Shriram Finance's loan
offerings?

Table no. 8

Particulars No. of respondents Percentage

Excellent 18 36%
Good 23 46%
Average 7 14%
Poor 2 4%

Graph no. 8

8. How would you rate the accessibility of information about Shriram

Finance's loan offerings?

4%
14%

36%

46%

Excellent Good Average Poor

Interpretation:
The above graph show that 36% lender are rate the excellent to accessibility of information
about Shriram Finance's loan offerings, 46% lender are rate the good,12.5% lender rate the
average and 5% lender rate the poor to accessibility of information about Shriram Finance's loan
offerings.

It shows that more lenders are rate good and excellent on the accessibility of
information about Shriram Finance's loan offerings

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LOANS AND ADVANCES

9. Have you faced any challenges during the loan application process with
Shriram Finance?

Table no. 9
Particulars No. of respondents Percentage
Yes 22 44%
No 28 56%

Graph no. 9

9. Have you faced any challenges during the loan application

process with Shriram Finance?

44%
56%

Yes No

Interpretation:

44% lenders are challenges during the loan application process with Shriram
Finance, 56% lenders are not challenge during the loan application process with Shriram
Finance.
It seems that many lenders are faced challenges during loan application
process with Shriram finance.

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LOANS AND ADVANCES

10. which aspects of Shriram Finance's loan services do you find most
appealing?

Table no. 10
Particulars No. of respondents Percentage
Quick approval process 27 54%
Variety of loan options 20 40%
Transparency in terms and conditions 6 12%
Competitive interest rate 9 18%
other 7 14%

Graph no. 10

10. which aspects of Shriram Finance's loan services do you find most
appealing?

60%

50%

40%

30%

20%

10%

0%
Quick approval Variety of loan Transparency in Competitive other
process options terms and interest rate
conditions

Interpretation:

The above graph shows that 54% lenders are aspects of quick approval
process and 40% lenders aspects variety of loan options of Shriram Finance's loan
services. There 18% lenders aspects competitive interest rate and 12% lenders aspects
transparency in terms and conditions and 14% lenders aspects other of Shriram
finance’s loan services.
It seems that many lenders quick approval process aspects of Shriram
finance’s loan services.

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LOANS AND ADVANCES

11.How likely are you to recommend Shriram Finance's loan services to others?

Table no. 11
Particulars No. of respondents Percentage
Very likely 20 40.86%
Likely 17 33.03%
Neutral 10 20.08%
Unlikely 03 6.03%

Graph no. 11

11.How likely are you to recommend Shriram Finance's loan services to

others?

6.03%

20.08% 35.04%

33.03%

Very likely Likely Neutral Unlikely

Interpretation:

The above graph shows that 35.04% lenders are very likely recommend Shriram
Finance's loan services to others, 33.3% lenders are likely recommend Shriram Finance's loan
services to others. 20.08% neutral and 6.03% is unlikely.

It seems that many lenders very likely recommend Shriram finance loan services to
others.

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LOANS AND ADVANCES

12.How did you come to know about Shriram Finance's loan services?

Table no. 12
Particulars No. of respondents Percentage
Online advertisement 13 27.1%
Word of mouth 11 22.9%
Social media 12 25%
Branch visit 03 6.2%
Others 09 18.8%

Graph no. 12

12.How did you come to know about Shriram Finance's loan services?

18.08%
27.01%

6.02%

25%
22.09%

Online advertisement Word of mouth Social media Beach visit Others

Interpretation:
The above graph shows that the 27.01% lenders come to know through online
advertisements about Shriram Finance's loan services. 22.09% lenders come to know through
word of mouth, 25% lenders come to know through social media.
It seems that many lenders know about Shriram finance’s loan services
through online advertisement

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 LOANS AND ADVANCES

13. RATE THE FOLLOWING:

Table no. 13

Loans Provided No of responds Percentage

Satisfie Highly Unsatisfied Satisfied Highly Unsatisfied
d satisfied satisfied
Personal loan 38 08 04 76 16 08
Gold loan 24 16 10 48 32 20
Business loan 30 12 08 60 24 16
Two-wheeler Loan 32 12 06 64 24 12
Total 50 100

Graph no. 13

13. Rate the following

80 76
70 60 64
60
48
50
40 32
30 24 24
16 20 16
20
8 12
10
0
Personal loan Gold loan Business loan Two-wheeler Loan
Satisfied Highly Satisfied Unsatified

Interpretation:
76% the above graph shows that the more lenders satisfied with personal loan ,
48% are satisfied and 20% unsatisfied with gold loan and 32% highly satisfied with
gold loan, 60% are satisfied with Business loan, 64% satisfied with Two-wheeler loan..
It seems that many lenders are satisfied with personal loan, gold loan, business loan
and two-wheeler loan.

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 LOANS AND ADVANCES

14. RATE THE FOLLOWING INFRASTRUCTURE:

Table no. 14
No of responds Percentage
Satisfied Highly Unsatisfied Satisfied Highly Unsatisfied
Satisfied Satisfied
Seating Arrangements 37 9 4 74 18 8
Drinking water 25 24 1 50 48 2
Clineliness 30 12 8 60 24 16
Light arrangements 29 16 5 58 32 10
Total 50 100

Graph no. 14

14. RATE THE FOLLOWING INFRASTRUCTURE:

80 74
60 58
60 50 48
40 32
24
18 16
20 8 10
2
0
Seating Drinking water Clineliness Light arrangements
Arrangements
Satisfied Highly Satisfied Unsatisfied

Interpretation:
The above graph shows that the 74% lenders are rate seating arrangements
for satisfied, 50% rate the drinking water with satisfied and 48% rate highly satisfied and 2%
unsatisfied with drinking water,60% lenders are satisfied with clineliness and 58% lenders
are satisfied with light arrangements.
It seems that many lenders are satisfied with seating arrangements, drinking
water, clineliness and light arrangements.

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LOANS AND ADVANCES

CHAPTER 10
FINDINGS

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LOANS AND ADVANCES

➢ Findings

• Shriram Finance is a listed public company incorporated on 30 June, 1979.It is

classified as a public limited company and is located in Chennai.

• Amount of loans and advances are increasing consisting year by year and it is
good for company’s overall growth and also for lenders.

• Overall loan services of Shriram Finance co. ltd.is good, lenders get satisfied with
the company.

• Highly lenders satisfied with personal loan provided by Shriram finance.

• The above pie chart shows that lenders take mostly personal loan.

• I found that many lenders like in Shriram finance that simple and fast processing.

• The above pie chart shows that the documentation process of Shriram finance is
Simple.

• The pie chart shows most of the lenders choose company loan because of interest
rate.

• The above pie-chart most of the lenders know about Shriram finance loan services
through online advertisement.

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LOANS AND ADVANCES

CHAPTER 11
SUGGETIONS

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LOANS AND ADVANCES

➢ Suggestions

o Company can develop internal as well as external expertise for

evaluating the management.
o For better loan recovery company should develop computerized system
o Repayment period for the borrower can be extended within time
boundary in case if serious financial problems.
o If there are any kind of hidden charges that must be disclose to lender
before giving loan to them.
o Company can conduct awareness program for borrower.

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LOANS AND ADVANCES

CHAPTER 12
CONCLUSION

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LOANS AND ADVANCES

➢ Conclusion

As we observed the trends in Indian financial sector is changing rapidly

through innovations and dependability of loans and advances has also increase and much
awareness of this concept has been found.
Loans and advances have become and important source of raising the
finance amongst individual corporate as well as the for higher organisations. A secured
business loan is the loan for commercial purpose. It keeps business proprietaries properties as
collateral. It can be taken for a variety of purposes like diversification research and
development or to buy plants and machineries.
The advantage with loans is that you can design your repayment period
as well as monthly instalments according to your financial capacities a loan come at a lower
interest rate when compare with other business loans. As this loan are taken against collateral,
any default in repayment can put to your commercial property at risk.
To be competitive and successful in modern corporate world, constant
capital flow in essential. Whether to expand your business or relocate your production unit to
some other place for cost effectiveness, you require finance. Its not always possible to fund
them to internal sources. Adelay of a few day can cost you in millions. To make your
enterprise successful and to run your business strategically, asecured business loan is an
option worth trying.

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LOANS AND ADVANCES

CHAPTER 12
BIBILIOGRAPHY

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LOANS AND ADVANCES

• Website
www.google.com
www.wikipedia.com
http://www.shriram.com

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LOANS AND ADVANCES

CHAPTER
QUESTIONAIRE

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LOANS AND ADVANCES

Loans and Advances

Questionnaire on Loans and Advances provided by Shriram Finance Co. Ltd.

Dear sir/Madam,

I am student of Sahyadri institute of management studies. Taluka Chiplun, District Ratnagiri.

I am executing a project report as part of my studies. My subject title is “Loans and
Advances Provided by Shriram Finance Co. Ltd, Chiplun.” So will you please invest some of
your time to answer the questions given below so that I can learn from you.

Name Of Respondents*

Your answer

1.What type of loan are you most interested in Shriram Finance?

*
▪ Personal Loan
▪ Business Loan
▪ Gold Loan
▪ Two-wheeler Loan
▪ Others

2. How do you feel about loan services rendered by Shriram Finance Co. Ltd.
*
▪ Satisfied
▪ Highly Satisfied
▪ Unsatisfied

3. How do you feel about documentation process regarding Shriram Finance Co.
Ltd Loan?
*
▪ Simple
▪ Complicated

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LOANS AND ADVANCES

4. Available any additional Facility with loan?

• Yes
• No

5. Which features you like most in loan segments of Shriram Finance Co. Ltd?
▪ Less Paper work
▪ Attractive interest rate
▪ Simple and fast processing
▪ Specially Design product for self employed
▪ Any other feature

6. How familiar are you with Shriram Finance's loan products?

*
o Very Familiar
o Somewhat familiar
o Not very Familiar
o Not at all familiar

7. What factors influenced your decision to choose Shriram Finance for a loan?
*
o Interest rate
o Lender service
o Flexible repayment option
o Reputation and trustworthiness
o Other

8. How would you rate the accessibility of information about Shriram Finance's loan
offerings?
o Excellent
o Good
o Average
o Poor

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LOANS AND ADVANCES

9. Have you faced any challenges during the loan application process with Shriram
Finance?
*
o Yes
o No

10. Which aspect of Shriram Finance's loan services do you find most appealing?
▪ Quick approval process
▪ Variety of loan options
▪ Transparency in terms and conditions
▪ Competitive interest rate
▪ Other

11.How likely are you to recommend Shriram Finance's loan services to others?
▪ Very likely
▪ Likely
▪ Neutral
▪ Unlikely
▪ Option 5

12. How did you come to know about Shriram Finance's loan services?
*
▪ Online advertisement
▪ Word of mouth
▪ Social media
▪ Beach visit
▪ Others

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LOANS AND ADVANCES

13. RATE THE FOLLOWING:

1. Personal Loan
(a) Satisfied (b)Highly satisfied (c)Unsatisfied

2. Gold Loan
(a) Satisfied (b)Highly satisfied (c)Unsatisfied
3. Two-wheeler loan
{a} Satisfied (b)Highly satisfied (c)Unsatisfied

14. RATE THE FOLLOWING INFRASTRUCTURE:

1. Seating arrangements
(a) Satisfied (b)Highly satisfied (c)Not satisfied

2. Drinking Water
(a) Satisfied (b)Highly satisfied (c)Not satisfied

3.Cleanliness
(a)Satisfied (b)Highly satisfied (c)Not satisfied

4.Light arrangements.
(a)Satisfied (b)Highly satisfied (c)Not satisfied

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SAHYADRI INSTITUTE OF MANAGEMENT & RESEARCH, SAWARDE. Page 54